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COMMERCE BANK v. WEST BEND MUT. INS. CO.

No. A14-0247.

870 N.W.2d 770 (2015)

COMMERCE BANK, Respondent, v. WEST BEND MUTUAL INSURANCE COMPANY, Appellant.

Supreme Court of Minnesota.

October 28, 2015.

Attorney(s) appearing for the Case

J. Robert Keena , Wilbert V. Farrell IV , Hellmuth & Johnson PLLC, Edina, MN, for respondent.

Tony R. Krall , Lucas C. Laakso , Hanson Lulic & Krall, LLC, Minneapolis, MN, for appellant.

John Neal , Willenbring, Dahl, Wocken & Zimmermann, PLLC, Cold Spring, MN, for amicus curiae Minnesota Association of Farm Mutual Insurance Companies.

John M. Wendland , Saint Paul, MN, for amicus curiae Minnesota Credit Union Network.

Michael K. Thro , Eden Prairie, MN, for amicus curiae Minnesota Bankers Association.

OPINION

This case requires us to interpret and reconcile two clauses in a property insurance policy: a standard mortgage clause and a vacancy clause. Appellant West Bend Mutual Insurance Company ("West Bend") issued a policy of insurance on a building. Commerce Bank was named in the policy as mortgagee. After the building...

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